Foreign exchange reserves of the Central Bank of Bosnia and Herzegovina at the end of January this year amounted to 18.15 billion KM and on an annual basis they increased by 894 million KM (5.2 percent). Total loans to domestic sectors at the end of January this year amounted to 28.76 billion KM, and compared to the previous month, an increase in loans of 69.9 million KM (0.2 percent) was recorded.
Credit growth was registered with the household sector for 54 million KM (0.4 percent), with government institutions for 41.7 million KM (2.7 percent) and with non-financial public enterprises for 21.4 million KM (2.8 percent). A decrease in credit growth on a monthly basis was registered at private companies by 27.4 million KM (0.2 percent) and at other domestic sectors by 19.9 million KM (4.9 percent).
The annual growth rate of total loans in January 2026 was 11.6 percent, nominally three billion KM. Annual credit growth was registered in the household sector by 1.59 billion KM (12.3 percent), in private enterprises by 921.2 million KM (8.7 percent), in government institutions by 310.7 million KM (24.3 percent), in non-financial public enterprises by 110.6 million KM (16.2 percent) and in other domestic sectors by 64.9 million KM (20.3 percent), the CBBH announced in the overview of monetary trends in January in 2026.
The total deposits of the domestic sectors at the end of January amounted to 37.31 billion KM and compared to the previous month, the deposits were reduced by 8.2 million KM. A decrease in deposits on a monthly level was registered at government institutions by 101.5 million KM (2.2 percent) and at non-financial public companies by 35.5 million KM (1.8 percent), while in the same period, deposits in the household sector increased by 70.5 million KM (0.4 percent), in private companies by 38.8 million KM (0.4 percent) and in other domestic sectors by 19.6 million KM (0.9 percent).
In the structure of household deposits, the largest part refers to transaction accounts (50.5 percent), which compared to the previous month are up by 0.4 percent, demand deposits (20.1 percent of total household deposits) are up by 0.9 percent, while time deposits (29.4 percent of total household deposits) are down by 0.1 percent. The annual growth rate of total deposits in January 2026 was 10.1 percent, which in absolute terms is 3.44 billion KM.
The annual growth of deposits was registered in the household sector by 2.11 billion KM (11.9 percent), in the structure of which transaction accounts grew by 17.5 percent, demand deposits by 6.4 percent and term deposits by seven percent. Growth of deposits on an annual level was also recorded at private companies by 670 million KM (8.2 percent), at government institutions by 557.1 million KM (13.8 percent) and at other domestic sectors by 137.5 million KM (seven percent). Deposits at non-financial public companies decreased by 38.4 million KM (1.9 percent) on an annual basis.
